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Wednesday, May 11, 2011

Why the Majority Fail at Stock Investing

By A. Hamid Adeniyi Otule

The Aims and Objectives of this writing are to expose to you our esteemed readers the majour reasons why many so called investors fail at stock investing, tested and confirmed ways to invest in stocks and share.

As we all know that Money is integral to our daily lives. Everybody needs money to take care of our daily activities. A lot of people invest their hard earned money in stocks to enjoy the capital gain on their money while others are happy with a steady income. Some never knew much about stock investment but it is universal facts that stock investing tend to be risky. I ask this question, why should we invest our money in stocks? The answer for this question is not far-fetched. Stock market game has the potential to multiply your money quickly and otherwise. It could give you instant money to improve your lifestyle. But it is also true that majority fail at stock investing.

The returns on stocks certainly attract lots of people but majority of them and lose their hard earned income which they invested in the stocks. Stock investing is not the child's play that anyone could play easily. It is not a hobby but rather its serious businesses that need a lot of strategies and knowledge. People often fail at stock markets because they forget to input their valuable efforts, or in other words they forget to work hard. Such amateurs always invest in stocks with a view to earn some quick bucks but due to lack of hard work they lose their money.

Also, before jumping into stock investing it is very important for the investors to acquire the basic knowledge of investing in stocks and rules, skills and strategies required.

For any investor his or her real cash is the rules to play stock market game. If you don't have enough cash, you cannot invest which means you tend to make little or nothing. And if you don't invest, you are out of business. The second most crucial factor that majority of investors lack and hence fail at stock investing is the ability to research and follow up. Most of the investors keen on gathering knowledge about star performers (stocks). They make plans to buy next stocks but forget to follow up how the stock that they already own is performing in the market. It is very important that you learn taking care of your car before going to buy a new one. The same goes for stocks. You must spend time to research the performance of your stock before you actually buy a new one. Stock investing is a big game and therefore you need to research a lot before investing your money in it.

Furthermore, Majority of people fail in stock investing since they don't realize the importance of their money working for them. They don't know what they are doing; they don’t find it necessary to hire professional experts to help them invest in right stocks. Among other mistakes that people commit when it comes to stock investing is that stock market investing is not only about buying at low and selling at high. It is much-much more than that. Investing money blindly is not the right move that need to be avoided. It is very important that you assess the need of the money. Analyze your investment goal and then select the right investment plan. For e.g. if your goal is to buy a car then research well and choose a stock that has the potential to give you short term investment benefits.

Remember that the right knowledge and practice is the perfect combination that can help you stand apart from the majority who fail at stock investing.

Stock Investments For Beginners

(A Guide on how to invest in stocks and shares)

The Aims and Objectives of this writing are to expose to you our esteemed readers one of the most possible, tested and confirmed ways to invest in stocks and share.

Stock investment as you all know requires experience in the stock market. You don't need to pick stocks on your own or take on excessive risk to invest in stocks.

With the view to enhancing a better stock trading ability and chances for success, I therefore present to you a basic starter guide to stock investments for beginners.

Firstly, what you need to know about the stock market when you make your first stock investment is that stock prices fluctuate. Stocks trade on exchanges, and historically when held for the long term stocks have produced returns of about 10% a year. Over the shorter-term the market goes through cycles called bull markets (rising prices) and bear markets (falling prices).

Firstly, it is important to note that when you make your initial stock investments, stock prices fluctuate depending on the period, be it; short- i.e. when the market goes through cycles called bull market(rising prices) and bear markets (falling prices) term or long-term. If properly managed can make returns for at least 10% returns on investment.

In addition, most of the time, bull markets prevail and investors make huge returns. In bears markets the vast majority of investors tend to lose money, as most stocks fall in value.

Beginners who are just investing should try to pick stocks that they feel will outperform the stock market. They should be worried about making it big in stock investment without speculating and taking unnecessary risk.

I want to assure you of the simplest way to invest in stocks without speculating, which is to invest in investments funds such as: exchange traded funds (ETFs), and mutual funds. Well In both cases you make a stock investment by buying shares. You then own a small part of a large portfolio of stocks which is managed for you and all the other investors who own shares.

To invest in stocks through an ETF you'll need a brokerage account. Moreover stock mutual funds can be purchased in various ways: through an investment professional, in a 401k-type plan, in a brokerage account, or by dealing directly with a no-load fund company.

Unless you have an investment adviser you'll need to decide the funds to invest in. As a general guide to investing for beginners, I suggest you start investing with a major stock index fund.

Furthermore, For example, stock symbol SPY is an ETF that tracks a major stock index, the S&P 500 Index. Various mutual fund companies offer S&P 500 Index funds as well. In either case, they are a stock investment that tracks the performance of 500 of the largest stocks (large cap stocks) in a country like America.

In good times in bull markets, you'll make money. In bad times and bear markets such as in 2008, expect to lose money along with just about everyone else who decided to invest in stocks.

Are you scared! well the good news about stock investment index fund that tracks the stock market: most of the time stocks go up in value. Plus, unlike people who pick stocks to beat the market, you don't need to sweat the possibility that you chose poorly ... resulting in larger than average losses.

Am sure by now you know where to invest in stocks to participate in the stock market without undue risk, you'll want to learn about investment strategy. Once you learn how to avoid major losses in bear markets, you're way ahead of most investors.

In conclusion, If the average stock investment has made 10% a year over the long term (and it has), think of the possibilities if you really knew how to invest.

Stock Investments

By A. Hamid Adeniyi Otule

Stock market is subjected to frequent changes. Uncertainties are very frequent in this area and hence investors are admonished to be extremely cautious. But still then stock investment is a way of making easy profit as compared to real estate and bond investment. This is the main reason why people are largely attracted to stock investments for stock trade. They find trading stocks a convenient method to gain profit. The failures met by several investors during stock trades are due to inadequate knowledge on stock investments and improper decisions at different times. A thorough understanding of the set up can surely help them to earn success through money.

To trade stock, investors must have some basic idea about where, when, how and how much to invest. Stock trading companies will be attracting investors, but right decisions must be taken before making stock investments.

Stock investments can be executed by learning the stock of the company more. If the investments are made in a company that has no reputation, the stock value will fall to zero at a point when the company fails. This will result in severe loss to the investors. But if the investments are diversified in a proper manner, the chances of loss are less. It is advisable to make investments in different companies. Hence even if a company fails in making a profit, another company can bring you more benefit thereby helping you to earn from stock investments.

Often new investors make common mistakes when they make stock investments. One such mistake is frequent buying and selling of stocks. They seek opinion from inexperienced people and often try to make bad investments through buying and selling at improper times. There are investment traps that can happen through scammers and illegal procedures, which will end them in trouble. Novice investors might invest by paying high fees, which will cause them to end in trouble. Broker fees can be too high causing high investment fees as such. They might also seek advice from others on stock investments, which might charge them too much. Often the fees may not be reasonable as the advice is not good enough to lead them to earn a profit.

While making stock investments, it will be advisable to go through latest updates on stock market. They have to constantly monitor the stock market after investing in stocks. It would be appreciable if the people can seek advice from expert stock analysts in investments. Through constant learning of stock investments, they might be matured enough to take decisions on their own. Stock investments with this care and concern will prove to be simpler and easier when it is coupled with technological enhancements involving tools and trackers.

Real Estate Investment Opportunities in Today's Crazy Market

By A. Hamid Adeniyi Otule

Dear readers, if you must be aware of this, then know that the best investment opportunities for you will depend on your goals and objectives. Investment strategies that are a fit when you are first getting started won't necessarily make sense for you once you've gotten your investing career launched.

For those who have just started investing; Have you ever read or heard that my favorite strategies is that it doesn't take any cash or credit and there are one of the simplest ways to get started in investing is by learning how to structure sandwich lease option deals. The reason this is one of plenty of motivated sellers that you can work with. To put together a sandwich lease option, you are going to match up a motivated seller with a potential tenant buyer, and make a profit for doing this.

Furthermore, search for a motivated seller who is looking to get out from under their payments and who is open to your creative offer. You'll structure a long term lease of five to ten years where you agree to cover the existing mortgage by paying rent to the seller.

Obviously, for this to be one of your best methods of buying real estate, the amount you pay to the seller needs to be LESS than the amount you can rent the house out for.

Moreover, you’ll also get an option to purchase the house for either the amount the seller owes to the lender or for about 80 percent of current market value. Making sure your option price is low enough so that you can offer the property to your tenant buyer on a rent to own basis along with the right for your tenant buyer to purchase from you at a higher price.

Other investment strategies for beginners include owner carry financing or buying a home using the existing financing.

For the intermediate investors, once you've done a few lease option deals you'll be ready to move on to short sales and flipping properties. Moreover, Short sales involve negotiating with the lender to accept less than what is owed so that you can resell the property to someone who will live in the house. For making quick cash, this can be one of your best techniques because you keep the difference as your profit.

Flipping or wholesaling homes are two other appropriate techniques for intermediate investors. Most successful flips or wholesale deals involve finding homes in poor condition and then either immediately reselling them to another investor, or fixing them up to sell to a retail buyer.

For the sophisticated investors or what I call as the ‘Big Thinkers’If you like investment opportunities where you can make millions instead of "just" hundred thousand naira, then you may want to consider investment opportunities in the commercial real estate arena. You can as well choose from apartment buildings, self storage, mobile home parks, office & retail and other commercial investment opportunities.

In conclusion so, now that you understand a bit more about creative real estate investing, you're going to have to decide which type of deals you want to be going after. No matter which of the various investment opportunities you decide is best for you, don't make the mistake of failing to take action on making your dreams come true.

Opportunities for Investing In Commercial Real Estate.

By A. Hamid Adeniyi Otule

Dear esteemed readers, I like to use this opportunity to express my profound gratitude to those who have supported me and also gave words of encouragements. I like to commend and appreciate them for their invaluable support. Let me also not forget my tradition which is to remind our readers that I am committed to ensuring that I contribute positively to the development of our society at large.

When it comes to starting up your own business, there are a lot of things to consider. The more serious and confident you are about your endeavors, the more money you are perhaps likely to invest in it and make in returns.

Moreover, whether you've been a hard saver, received a loan or lucky enough to be supported by friends and families, you'll want to make sure that the business venture you launch is properly thought out, as the last thing you'll want is for your business to crumble.

Without wasting your time, Commercial property investment is becoming a hugely popular option for business entrepreneurs in today's world. In many countries, residential property investment doesn't offer the return on investment that most people anticipate. For this reason, commercial building investment has grown in demand.

If you care to search carefully in many of the larger cities, you discover that there are untold industries to choose from, giving you plenty of options as far as launching your new business venture is concerned. Industrial property investment is supposedly the cheapest of all commercial property investment options available and also the simplest to understand. This is vital, especially if this is your first business venture. With this type of property investment, there are often very few hitches that arise.

A majority of industrial buildings are just simple boxes with certain sized area partitioned off and used as office space. More often than not these are very cheap to build and require very little or no maintenance. Well it's this type of commercial property that is becoming more and more popular every year.

Typically, an industrial property would include those used for light or heavy manufacturing units, a warehouse for storage purposes, factory/office-type multi-use property, industrial parks and retail warehouse units. Industrial property units tend to range from 1000 - 50000 square feet in size.

In addition, most industrial properties don not rely on the quality of location, as opposed to commercial property like retail and hospitality, where a business is rather dependent on their location being easily accessible and noticed.

Lastly, Commercial property investment range greatly in cost throughout the world. Many of the smaller type properties tend to have shorter term tenancy contracts. For those who consider investing in commercial property, it's highly advised and recommended that you carefully decide how big or small your property needs to be. Bear in mind, it's a lot easier to handle a smaller commercial property than a medium to large sized one.